Last week, I met a lady who said she had figured out everything in her life. Then she added, “Sandeep, I have a fear—what if I make a mistake?”

I smiled and told her a simple secret. Wealthy families set aside 20% of their profits in a special fund. They call it a “growth fund.” This money is not just saved for emergencies—it is used for new ideas, new products, and new opportunities.

This way, even if they make a mistake, they have a safety net. They can try new things without fear because they know there is a fund to help them bounce back.

So, if you ever worry about making a mistake, remember the growth fund. It is a way to learn, grow, and move forward with confidence.

What do you think about having a growth fund? Let’s keep growing, one step at a time!

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Dr. (HC) Sandeep N. Setty is a Bengaluru-based Family Wealth Architect who helps business families protect continuity across generations. He advises founders, entrepreneurs, and high-net-worth families on asset structuring, intergenerational planning, family governance, succession clarity, and liquidity-focused continuity design—so wealth is not only created, but held together with clarity, control, and purpose.